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How to Report a Storm Chaser Roofing Scam: Stop Contractor Fraud After Disasters

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Last verified: June 25, 2026All contact numbers, websites, and procedures confirmed current.

Quick answer: Report a roofing scam to your state’s contractor licensing board, your state attorney general, and the National Insurance Crime Bureau (NICB) at 1-800-TEL-NICB (1-800-835-6422). If the scammer filed a fraudulent insurance claim, notify your insurance company immediately. In most states, you have 3 business days to cancel a home improvement contract signed at your door.

Storm chaser contractors swarm neighborhoods after hail, tornadoes, and hurricanes, using high-pressure tactics to get homeowners to sign contracts before they can get independent estimates. Many are unlicensed, do substandard work, collect insurance money and vanish, or file inflated claims for damage that doesn’t exist. Roofing fraud costs insurers billions annually — and homeowners pay through higher premiums and damaged homes.

Types of Roofing Scams

Storm chasers arrive unsolicited after a storm and pressure you to sign a contract on the spot, sometimes claiming damage you can’t see. Insurance assignment scams involve contractors having you sign an Assignment of Benefits (AOB) — transferring your insurance claim rights to them — which lets them inflate claims without your knowledge. Take-the-money-and-run scammers collect a large deposit or insurance payout, do little or no work, and disappear. Inflated or fabricated damage claims — filing for damage that either doesn’t exist or was pre-existing — constitute insurance fraud. Unlicensed roofers performing work without permits can leave you liable for code violations and void your homeowner’s insurance.

Where to Report a Roofing Scam

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SituationAgencyContact
Unlicensed contractor / poor workState contractor licensing boardSearch “[your state] contractor license complaint”
Insurance fraud / inflated claimsNICB1-800-835-6422 | nicb.org
Deceptive sales practicesState Attorney GeneralSearch “[your state] attorney general consumer complaint”
Your own insurer (AOB or inflated claim)Your insurance companyCall the claims number on your policy
General consumer fraudFTCReportFraud.ftc.gov
Public complaint recordBetter Business Bureaubbb.org

How to Report a Roofing Scam Step by Step

  1. Cancel the contract within 3 business days if you just signed. Federal law (FTC Cooling-Off Rule) and most state laws give you 3 business days to cancel a contract signed at your home. Do this in writing via certified mail. Keep your copy and the return receipt.
  2. Contact your insurance company immediately. If a contractor had you sign an Assignment of Benefits or has already contacted your insurer, notify your insurance company that you did not authorize them to handle your claim independently. You have the right to manage your own claim.
  3. Document everything. Photograph all damage (before any work begins), photograph any work performed, and keep all contracts, receipts, business cards, and written estimates. Note the contractor’s license plate number and truck information.
  4. Verify the contractor’s license. Look up their license number with your state’s contractor licensing board. Operating without a license is illegal and separately reportable. Never allow work to begin from an unlicensed contractor.
  5. File with your state licensing board. This is your primary recourse for contractor fraud and poor workmanship. Boards can revoke licenses, issue fines, and require contractors to make repairs or provide refunds through recovery funds available in many states.
  6. Report insurance fraud to the NICB. Call 1-800-835-6422 or submit at nicb.org. The NICB works directly with insurance companies and law enforcement on roofing fraud cases.
  7. File with your state attorney general. High-pressure sales tactics, deceptive contracts, and taking money without performing work are consumer protection violations. Many state AGs have task forces specifically targeting post-disaster contractor fraud.
  8. File a police report for theft or fraud. If a contractor took a large deposit and performed no work or vanished, file a criminal complaint. This is theft or fraud, not just a civil dispute.

Your 3-Day Right to Cancel

Federal Cooling-Off Rule: You have 3 business days to cancel any contract over $25 signed at your home. The contractor must give you a written notice of this right — if they didn’t, the cancellation period may be extended.

State law may give more time: Some states extend this to 5–10 days for home improvement contracts. Check your state’s specific law.

How to cancel: Send written cancellation by certified mail to the address in the contract. Keep the receipt. Do not rely on a phone call alone.

Penalties for Roofing Fraud

Insurance fraud: A felony in all 50 states, with penalties up to 5–10 years imprisonment and fines up to $150,000 depending on the amount.

Contractor licensing violations: Fines up to $10,000 per violation and license revocation. Unlicensed work can also trigger stop-work orders and required remediation.

State contractor recovery funds: Many states maintain recovery funds specifically to compensate homeowners defrauded by licensed contractors — file with your licensing board to access these.

Frequently Asked Questions

What is a storm chaser contractor?
An out-of-town contractor who follows severe weather events, knocking on doors to solicit roofing and repair work. Not all are scammers, but high-pressure tactics, demands to sign immediately, and requests for large upfront cash payments are red flags of fraud.
Where do I report a roofing contractor scam?
Report to your state contractor licensing board (primary), your state attorney general, the NICB at 1-800-835-6422 for insurance fraud, and local police if the contractor took money and disappeared.
What is an Assignment of Benefits and why is it risky?
An AOB transfers your insurance claim rights to the contractor, letting them deal directly with your insurer. Fraudulent contractors use this to file inflated claims without your knowledge, which can result in policy cancellation and higher premiums for you. Avoid signing AOBs — manage your own claim.
Can I cancel a roofing contract I signed under pressure?
Yes — federal law gives you 3 business days to cancel any contract signed at your home. Send written notice by certified mail immediately. Some states provide longer cancellation windows. If the contractor didn’t give you a written notice of cancellation rights, the period may be extended.
How do I verify a roofing contractor is legitimate?
Check their license with your state licensing board, verify their insurance (general liability and workers’ comp), check BBB and online reviews, get at least 3 written estimates, and never pay more than 10–30% upfront. Legitimate contractors don’t demand full payment before starting work.
What if the contractor did poor-quality work?
Document all defects with photos, send a written demand for repairs via certified mail, and file a complaint with your state licensing board. Many states have contractor recovery funds that compensate homeowners for defective work by licensed contractors.

For related guides see: How to Report an Unlicensed Contractor, How to Report a Bad Contractor, How to Report Insurance Fraud.

Independent resource — not affiliated with any U.S. government agency. Last reviewed: June 2026.

📖 Part of our Complete Consumer Fraud Guide

This guide is a supporting article in our pillar resource covering all consumer fraud types, every federal agency, and all 50 state contacts.

How to Report Consumer Fraud: Complete U.S. Guide →
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